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Accidents happen. Your income doesn't have to stop when they do.
Mufasa Insurance Agencies arranges personal accident insurance across Homa Bay County - Homa Bay, Mbita, Rusinga & Mfangano Islands, Oyugis and every town in between. Homa Bay is the centre of Kenya's lake fishery, with Mbita, Sindo and the island communities of Mfangano and Rusinga depending almost entirely on the water. With commercial farming, lake fishing and trading driving the local economy, the cover that makes sense here is specific to Homa Bay. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Homa Bay Is Different
Fishing accidents and sudden lake storms drive the highest personal accident exposure of any economic activity in the county. Island communities face slow medical evacuation, and cage aquaculture is exposed to disease and oxygen crashes. Personal Accident cover responds to exactly that kind of loss, paying a cash benefit for death or disablement rather than reimbursing a bill.
For riders, fishermen, miners and transporters, group cover arranged through a SACCO, cooperative or association is the practical route in Homa Bay. Per-member cost falls sharply above about ten members, and the group handles collection.
A lump sum on accidental death, a scaled benefit for permanent disablement, plus medical expenses and often a weekly income benefit while you cannot work. Limits are set by you, so the cover can be sized to what your household actually needs.
Coverage Details
Lump sum paid to your next of kin if you die as a result of an accident.
Full sum assured paid if an accident permanently prevents you from working.
Proportional payout for loss of limbs, eyesight, or hearing following an accident.
Weekly income replacement while you're unable to work due to accidental injury.
Hospital bills, surgery, physiotherapy, and medication arising from an accidental injury.
You're covered whether the accident happens at home, at work, on the road, or abroad.
The Process
Select your sum assured based on your income and financial obligations. Premiums are very affordable.
No medical exam required. Pay and your cover is active immediately.
In the event of an accident, call us. We fast-track claims so you receive your benefit within days.
Questions
Send us a WhatsApp message or call +254 117 435 865 with the basic details of what you need covered. We come back with quotes from several underwriters the same working day, you pick one, pay by M-Pesa or bank transfer, and we issue the documents. Nothing requires you to travel to Nairobi.
We are based in Runda, Nairobi and serve Homa Bay County remotely, which is how most insurance in Kenya is now arranged. Quotes, payment and document issue all happen by phone, WhatsApp and email. When there is a claim, assessors are appointed locally in Homa Bay.
Same day in most cases. Motor certificates, travel certificates and medical cover notes are issued electronically as soon as payment reflects, so you are covered before the documents reach your inbox.
Yes. Life insurance covers death from any cause (illness or accident). Personal accident only covers death or disability caused specifically by an accident, it's more affordable but narrower in scope.
Yes. Personal accident covers you anywhere, at work, home, or on the road. Note that WIBA (for employers) separately covers employees for workplace injuries.
Standard policies exclude hazardous sports like racing, mountaineering, and contact sports. A sports rider can be added. Everyday recreational activities are generally covered.
Yes. Family personal accident plans cover the principal member, spouse, and up to 4 children on a single premium.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.